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IMPORTANT DISCLOSURE INFORMATION

Karn Couzens & Associates Inc. (“Company” or “us”) is an SEC registered investment adviser located in Farmington, Connecticut.  A copy of the Company’s current written disclosure Brochure discussing our advisory services and fees continues to remain available upon request and/or on this web site at www.karncouzens.com. Company’s Privacy Notice and Form CRS (Client Relationship Summary) are also available there.

Company may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements.  Company’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links.  Accordingly, the publication of Company’s web site on the Internet should not be construed by any consumer and/or prospective client as Company’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet.  Any subsequent, direct communication by Company with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides.  A copy of Company’s current written disclosure Brochure discussing Company’s business operations, services, and fees is available from Company upon written request.  Company does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Company web site or incorporated herein, and takes no responsibility therefore.  All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by Company), will be profitable or equal any historical performance level(s). Nothing contained in this website, including rankings and ratings, should be relied upon as investment advice. Consult your own financial professional for individualized advice.

Certain portions of Company’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Company (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date.  Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s).  Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Company, or from any other investment professional.  Company is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting, or tax advice.


Please Note Limitations: Neither rankings and/or recognitions by unaffiliated rating services, publications, media, or other organizations, nor the achievement of any professional designation, certification, degree, or license, membership in any professional organization, or any amount of prior experience or success, should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Company is engaged, or continues to be engaged, to provide investment advisory services. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (see participation criteria/methodology). Unless expressly indicated to the contrary, Company did not pay a fee to be included on any such ranking. No ranking or recognition should be construed as a current or past endorsement of Company by any of its clients. ANY QUESTIONS: The Company’s Chief Compliance Officer remains available to address any questions regarding rankings and/or recognitions, including the criteria used for any reflected ranking.

To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to Company’s web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Company, or from any other investment professional.

The information being provided is strictly as a courtesy. When you link to any of the web sites provided here, you are leaving this web site. We make no representation as to the completeness or accuracy of information provided at these external web sites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, web sites, information and programs made available through this web site. When you access one of these web sites, you are leaving our web site and assume total responsibility and risk for your use of the web sites you are linking to.

Each client and prospective client agrees, as a condition precedent to his/her/its access to Company’s web site, to release and hold harmless Company, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from Company.

ACCOUNT REALTED WEB SITE ACKNOWLEDGEMENT

If you are a client of the Company and you elect to utilize the links contained herein to third party websites that require the use of usernames and passwords, please be aware of the following: You will have access to certain information related to your account(s) managed, or otherwise advised or administered by us via these third-party website applications.  These links are made available to clients as an accommodation. Password-protected sections of these websites are intended only to allow a client access to information relative to his/her/its specific account.  Usernames and passwords for these websites should be carefully safeguarded and not shared with any other person. The Company is not responsible for any adverse consequences relative to any failure by you to keep the identity of your password(s) secure.

Robert Karn, James Couzens, Jeffrey Couzens, and William Rogers are Registered Representatives of and offer securities products and services through Royal Alliance Associates, Inc. Member FINRA/SIPC. Royal Alliance Associates, Inc. is a Broker Dealer registered with the Securities and Exchange Commission (SEC). In this regard this communication is strictly intended for individuals residing in the stats of AK, AZ, CA, CO, CT, DC, DE FL, GA, IL, IN, KY, LA, ME, MD, MA, MI, MN, MT, NV, NH, NJ, NM, NY, NC, OH, PA, RI, SC, TX, VA, and WA. No offers may be made or accepted from any resident outside the specific states referenced. Representatives may not be registered to provide securities and advisory services in all states.

Robert Karn, James Couzens, Jeffrey Couzens, and William Rogers are also separately registered as investment advisor representatives of Karn, Couzens, & Associates, Inc., an SEC Registered Investment Advisor not affiliated with Royal Alliance Associates, Inc. Karn, Couzens & Associates, Inc. offers advisory services in the states of CA, CT, FL, MA, NH, NJ, NY, NC, SC, and TX. As such these services are strictly intended for individuals residing in these states. Karn, Couzens & Associates, Inc.

The Top 50 Emerging RIAs list was compiled by:

Reink Media Group (as seen on investor.com)

409 S Washington Ave.

Royal Oak, MI 48067

This is a list of the Top 100 Financial Advisor Firms in Connecticut for 2020 as determined by Reinke Media Group based on their proprietary research using publicly available information. Details of their research can be found on their website at https://investor.com/trust-algorithm. This algorithm takes into consideration a number of factors including background/years registered, disclosed conflicts of interest, disciplinary history reviews and firm website checks. KCA did not solicit recognition from this group or furnish any additional information.

This listing uses the current information filed with our primary regulator, the Securities and Exchange Commission (SEC) and was compiled on February 4, 2021.

Karn, Couzens & Associates, Inc. (KCA) does not pay a fee to be included in the list and the inclusion of KCA in the list is not preconditioned on buying article reprints from the creator of the material.

KCA is not affiliated with the creator of the material but considers it a reliable source. The ranking is independently determined. KCA does not have any influence over how or whether KCA is listed in the ranking.

The ranking does not use any criteria that relies on client input, surveys, or questionnaires. Therefore, it does not consider favorable or unfavorable client responses. Similarly, it does not use criteria that relies on input from non-client’s or other financial professionals. Client Relationship Summaries and Forms ADV for SEC registered investment advisors, including KCA are available for public viewing in the SEC’s Investment Advisor Public Disclosure website (https://www.adviserinfo.sec.gov/IAPD/Default.aspx). KCA’s Client Relationship Summary (Form CRS) and Form ADV Part 2A are available on the KCA website at www.karncouzens.com. Information used to compile this list was obtained from the SEC website noted here.

This ranking in no way reflects investment performance and should not be used or relied upon as an indication of investment returns that have been or will be experienced by KCA clients. Readers should not assume that being on this list confers anything about investment results at KCA. Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client's evaluation. Readers should also be aware that all investing involves risk, including potential loss of principal. For more information on the details and criteria of an award see their respective website:

https://www.riadatabase.com/

The list considers information such as assets under management, number of clients, security of our website, and disclosures. The term “disclosures” generally refers to past regulatory, criminal, disciplinary, or similar actions against a firm.

Securities and investment advisory services offered through Royal Alliance Associates, Inc. (RAA), member FINRA/SIPC. Additional advisory services offered through KCA. RAA is separately owned and other entities and /or marketing names, products or services referenced here are independent of RAA.

The Top 100 Financial Advisor Firms in CT list was compiled by:

RIA Channel

134 North Wayne Avenue, Suite 203

Wayne, PA 19087

RIA Channel ranked the 2020 Top 50 Emerging RIAs using a proprietary set of criteria and data. The ranking is based on both size and growth in assets reported to the SEC as of October 31, 2020. Wealth management firms with negative disclosures on their ADV Part I were excluded. Wealth management firms that were growing 30% or more over the past five years and had total assets under management of less than $500 million were included. RIA Database (RIADatabase.com) was used for regulatory data, growth data, organic research, and advisor surveys. KCA did not solicit recognition from this group or furnish any additional information.

This listing is based upon the current information filed with our primary regulator, the Securities and Exchange Commission (SEC).

Karn, Couzens & Associates, Inc. (KCA) does not pay a fee to be included in the list and the inclusion of KCA in the list is not preconditioned on buying article reprints from the creator of the material.

KCA is not affiliated with the creator of the material but considers it a reliable source. The ranking is independently determined. KCA does not have any influence over how or whether KCA is listed in the ranking.

The ranking does not use any criteria that relies on client input, surveys, or questionnaires. Therefore, it does not consider favorable or unfavorable client responses. Similarly, it does not use criteria that relies on input from non-clients or other financial professionals. Client Relationship Summaries and Forms ADV for SEC registered investment advisors, including KCA are available for public viewing in the SEC’s Investment Advisor Public Disclosure website (https://www.adviserinfo.sec.gov/IAPD/Default.aspx). KCA’s Client Relationship Summary (Form CRS) and Form ADV Part 2A are available on the KCA website at www.karncouzens.com. Information used to compile this list was obtained from the SEC website noted here.

This ranking in no way reflects investment performance and should not be used or relied upon as an indication of investment returns that have been or will be experienced by KCA clients. Readers should not assume that being on this list confers anything about investment results at KCA.

Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client's evaluation. Readers should also be aware that all investing involves risk, including potential loss of principal. For more information on the details and criteria of an award, see their respective website:

https://investor.com/trust-algorithm

The list considers information such as assets under management, number of clients, security of our website, and disclosures. The term “disclosures” generally refers to past regulatory, criminal, disciplinary, or similar actions against a firm.

Check the background of this firm/advisor on FINRA’s BrokerCheck.